Northstar Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Other borrowed money climbed 309.1% in Q2 2026, from $11.0M to $45.0M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Northstar Bank ranks 7th highest among the 72 banks headquartered in Michigan, at 102.34% (Q2 2026). Northstar Bank reported 102.34% on loan-to-deposit ratio for Q2 2026, 14.14 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $22.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $108.8M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $30.0M |
| Other borrowed money | $45.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.87% |
| Trading liabilities | $4.0M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.34% |
| Net loans and leases to deposits | 100.97% |
| Loans and leases to core deposits | 108.99% |
| Core deposits to total deposits | 88.10% |
| Brokered deposits to total deposits | 5.80% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 91.60% | 96.49% | $6.8M | $0 |
| Q4 2023 | 91.50% | 93.16% | $6.8M | $0 |
| Q1 2024 | 88.22% | 89.35% | $0 | $0 |
| Q2 2024 | 91.53% | 87.70% | $0 | $0 |
| Q3 2024 | 92.54% | 88.70% | $0 | $0 |
| Q4 2024 | 95.37% | 89.57% | $10.0M | $8.0M |
| Q1 2025 | 95.97% | 85.61% | $6.0M | $7.0M |
| Q2 2025 | 103.33% | 89.69% | $37.0M | $39.0M |
| Q3 2025 | 102.03% | 89.29% | $40.0M | $27.0M |
| Q4 2025 | 102.27% | 89.34% | $35.5M | $60.0M |
| Q1 2026 | 99.44% | 85.88% | $33.0M | $11.0M |
| Q2 2026 | 102.34% | 88.10% | $30.0M | $45.0M |
Northstar Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Northstar Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Northstar Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57097) · FFIEC NIC profile (RSSD 2958972)